Fundamentally I don't think "tool" is the right word for whatever generative AI is. Tools are normally designed with intention for a specific purpose, but AI systems are trained or grown.
To use an analogy, you can use a goat as a lawnmower - it'll keep the grass down for you. You could maybe even train it so it keeps it a specific length, but it's a goat - there's always a chance it will jump the fence or headbutt you or something else. It's an animal, not a tool. You can use AI as a tool, but that doesn't make it a tool.
Yes AI is arguably still software, but we have never seen programs with anything close to this level of flexibility and adaptability in software.
As another analogy, there's nothing special about neurons- their characteristics are broadly known and researchers have been able to simulate small numbers of them in computer models. However, when you have enough of them in the right structure, complex behaviours are possible which are never exhibited at the lower levels. There's nothing majorly different between the neurons in brains of a chimp and a human, but the capabilities and meta-capabilities are wildly different.
I think we see a similar step-change with generative AI systems.